Best 0% Balance Transfer Credit Cards

zero-percent225 If you have a significant balance on your current credit card, it makes sense to find a new credit card that will let you transfer that balance and let it sit at a 0% interest rate while you pay it off. The credit cards below all offer a zero percent balance transfer rate for a limited period of time and have no annual fee:

  • Chase Slate Visa – Offers a 0% interest rate for 15 months on transferred balances, with no fee for balances transferred within 60 days. Your APR on transferred balances after the first 15 months will be from 15.49% to 24.24%, depending on the rate you are approved at (which depends on your credit history). Note that the balance transfer fee bumps up to 5% after 60 days, so get it done early.
  • Citi Diamond Preferred Card – Offers a 0% interest rate on balance transfer for a whopping 21 months, but does have a 3% balance transfer fee. The interest rate on transferred balances after the first 21 cycles is 13.24% to 23.24% depending on what rate you are approved at (which is based on your credit history).


  • Citi Simplicity Card – Also offers a 0% interest rate on balance transfer for 21 months, with a 3% balance transfer fee. The interest rate on transferred balances after the first 21 months is 14.24% to 24.24% depending on what rate you are approved at (which is based on your credit history).
  • Bank Americard Visa – Offers a 0% interest rate on balance transfers for 18 billing cycles, provided you transfer the balance within 60 days of card opening. There is a 3% balance transfer fee. The interest rate on transferred balances after the first 18 cycles is 11.74% to 21.74% depending on what rate you are approved at (which is based on your credit history).
  • Citi Double Cash Card – Offers a 0% interest rate on balance transfers for 18 months from card opening. There is a 3% balance transfer fee. The interest rate on transferred balances after the first 18 months is 14.24% to 24.24% depending on what rate you are approved at (which is based on your credit history).
  • First National Bank of Omaha Platinum Edition Visa – Offers a 0% rate on balance transfers for 15 months, with a 3% fee on the amount of the transfer. The regular purchase interest rate on the card could be 10.49%, 15.49% or 18.49%, depending on your credit history.
  • Citizens Bank Cash Back Plus MasterCard – Offers a 0% rate on balance transfers for 15 months, 3% fee on transferred balances. Interest rate after 15 months could be 14.99%, 18.99%, or 22.99% depending on your credit history.
  • Wells Fargo Platinum Visa – Offers a 0% rate on balance transfers for 15 months, with a 3% balance transfer fee. APR after the 15 months is anywhere from 15.90% to 25.74%.
  • Choice Privileges Visa – Reward credit card for hotel chains including Comfort Inn, Clarion, EconoLodge and more offers a credit card with a 0% balance transfer offer for 15 months, for balances transferred within 45 days of getting the card. There’s a 3% balance transfer fee. Interest rate on purchases and transferred balances after 15 months is either 15.99%, 20.74%, or 25.74%.
  • KeyBank Latitude MasterCard – Offers a 0% rate on balance transfers (and purchases too) for 15 months, but with a 4% balance transfer fee. Ongoing interest rate after the first 15 months of 10.74% to 20.74% depending on your credit history.
  • Fifth Third Bank Truly Simple MasterCard – 0% interest rate on balance transfers for 15 months, and 0% on new purchases, too. 4% fee on transferred balances, though. Interest rate after those 15 months varies from 12.74% to 23.74%.
  • Chase Freedom Unlimited – 0% interest on balance transfers for 15 months BUT a 5% balance transfer fee, perhaps the highest balance transfer fee we’ve seen. Interest rate after the first 15 months of anywhere from 15.49% to 24.24% depending on your credit history.
  • Chase Freedom Card – Offers a 0% interest rate on balance transfers for 15 months from card opening (15 months on purchases, too). There is a 5% balance transfer fee. Interest rate after the first 15 months of anywhere from 15.49% to 24.24% depending on your credit history.
  • Discover It Card – Offers 0% interest on balance transfers for 14 months, but has a fee of 3% of the amount of the transferred balance. Interest rate on those balances after 14 months is anywhere from 11.74% to 23.74% depending on your credit history.
  • U.S. Bank Visa Platinum – 0% balance transfers for 12 months. The balance transfer fee is 3%. Interest rate after the first 12 months is 10.74% to 22.74% depending on your credit history.
  • BankAmericard Better Balance Rewards Card – Offers a 0% interest rate on balance transfers for 12 months. Balance transfer fee of 3%. Ongoing APR ranges from 12.74% to 22.74% depending on your credit history. Offers $25 quarterly reward if you pay more than the minimum payment each month.
  • BankAmericard Cash Rewards Visa – Offers a 0% interest rate on balance transfers for 12 billing cycles, provided you transfer the balance within 60 days of card opening. There is a 3% balance transfer fee. The interest rate on transferred balances after the first 12 cycles is 13.74% to 23.74% depending on what rate you are approved at (which is based on your credit history).
  • MLB Extra Bases Credit Card – Major League Baseball rewards credit card offers a 0% rate on balance transfers and purchases for 12 months. There’s a 3% fee on transferred balances, however. Interest rate after 12 months: 13.74% to 23.74%.
  • Blue Cash Everyday from American Express – Get a 0% introductory rate on transferred balances for 12 months. (3% fee on balance transfers.) 0% rate on new card purchases for 12 months also. Interest rate after the 12 months ranges from 13.74% to 23.74% depending on your credit history.
  • Amex EveryDay Credit Card – The newest American Express rewards card offers a 0% rate on balance transfers and also purchases for 12 months. 3% balance transfer fee. APR after the first 12 months ranges from 13.74% to 23.74% depending on your credit history.
  • State Farm Rewards Visa – Offers a 0% interest rate on balance transfers for 12 months (0% on purchases, too). You’ll pay a 3% balance transfer fee. Interest rate after the first year is 13.99% to 20.99% depending on your credit history.
  • AARP Rewards Visa – You get a 0% interest rate on balance transfers for 12 months with this card, but a 3% transfer fee. You get 0% on new purchases for 12 months, too. After the first 12 months the interest rate is 16.74% to 23.49%.
  • M&T Bank Visa Card – Transfer a balance at a 0% rate for 12 months, but you’ll pay a 4% transfer fee to do so. APR after 12 months ranges from 10.74% to 17.74%.


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